An inventory line
Draw to fund a production run, repay over three to six months as units sell through. Lines from $25K to $1M sized to sell-through and margins, not square footage.
Funding for ecommerce,
sized to the next purchase order.
The factory wants 50 percent at order and the balance before shipping, months before the first unit sells. One application, shopped to the lenders we work with that read sell-through and payouts, with funding in as little as 24 hours.1 No impact to your credit score to apply.2 Amounts from $5K to $5M.3
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Illustrative only. Your rate, term and payment are set by the lender whose offer you accept.
Est. monthly payment$6,174
Illustrative terms12.9% APR · 24 mo
14 daysa typical payout hold on a selling channel
Payouts arrive on the channel's clock and processors keep reserves. A line bridges the delay so a viral week becomes a restock, not a stockout.
Capital for inventory,
ads and payout timing
An online brand is a working-capital business: pay the factory, pay the ads, wait for the payout. Every product we place is chosen around that loop.
Working capital for ad spend
When campaigns return four times their cost, the constraint is cash this week. Short-term loans and lines fund the spend while the return is there.
Bridging payouts and reserves
A revolving line covers air freight, a 3PL move or a supplier deposit while the selling channel holds funds and the processor keeps its reserve.
Connect the storefront and the processor
Lenders that fund online brands read payouts from selling channels and card processors alongside bank deposits, so connecting those accounts usually speeds up the decision. Bring your sell-through rate, gross margin and the purchase order you want to fund. Inventory-focused lenders underwrite on those three numbers, and some pay the supplier directly and are repaid as the inventory sells.
How online brands get funded with FundLine
Meadowlark Skincare Co.
$70,000 of $200,000Available to draw
$130,000Outstanding balance
Draw funds
Production run, deposit$65,000
Production run, balance$65,000
Next payment$5,610 on Oct 1
Channel payout pending$48,200
- 1
Apply once
About 15 minutes. Company details, three to six months of bank statements and storefront or channel payout reports. Connect your accounts to speed it up.
- 2
Compare offers
We shop the application to the lenders we work with that fund ecommerce and lay out the offers: amount, cost, repayment cadence and whether the supplier is paid directly.
- 3
Fund the run
Accept the offer that fits. Lines and short-term loans can fund in as little as 24 hours after acceptance, before the factory's deposit deadline.
Talk to someone who knows
what a healthy sell-through looks like.
Our advisors have placed inventory lines, ad-spend loans and supplier-paid financing for DTC brands and multi-channel sellers. Bring your margins, your sell-through and the next purchase order; we will tell you which products fit before you apply.
Book a callReal people, any day of the week
What online sellers say
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsEcommerce funding questions
Most online sellers start with a business line of credit for inventory and a business credit card for ad spend. Brands with a track record add term loans for larger runs and growth. FundLine shops one application to the lenders we work with that fund ecommerce.
Yes. Lenders read payouts from selling channels, storefront tools and card processors alongside your bank deposits. Connecting those accounts during the application usually speeds up the decision.
Yes. Inventory-focused lenders look at sell-through rates, margins and purchase orders, not square footage. Some fund the supplier directly and are repaid as the inventory sells.
Inventory lines commonly run $25K to $500K for brands under $5M in sales and up to $1M beyond that. Ad-spend loans run $20K to $250K. Term loans for larger runs and growth run higher through the lenders we work with.
Working-capital products are use-agnostic, so ad spend, agency fees and creative production all qualify. Inventory financing is limited to product purchases and equipment financing to physical assets.
The application takes about 15 minutes. Lines of credit and short-term loans often return offers within a couple of days, and many lenders fund in as little as 24 hours after you accept.
A normal reserve does not. A high chargeback rate or a recent reserve increase will draw questions, so be ready to explain it. Lenders look at refund and chargeback rates as a signal of product quality and customer service.
Often, yes. Several lenders we work with fund brands with six to twelve months of sales history, at smaller amounts and shorter terms. Strong margins and a clear sell-through rate matter more than age.
Three to six months of business bank statements, channel or storefront payout reports, basic company details and, for larger amounts, a recent P&L and your inventory position. Purchase-order financing needs the supplier's invoice or pro forma.
Business line of credit
Draw for the production run, repay as it sells through, and pay interest only on the days the balance is out.
Term loans
A fixed payment over 12 to 60 months for a larger run, a new channel or the next stage of growth.
Guides for online brands
How lenders read a DTC business, and how to fund inventory and ads without stalling on payout timing.
Guide
Getting ready to borrow
The checklist for an online brand: statements, payout reports, margins and the purchase order.
Read moreBlog
A term loan for growing companies
When a fixed payment beats a revolving line for a brand scaling into a new channel.
Read moreTool
Payment calculators
Model an inventory line against your sell-through before you place the order.
Read moreReady to fund
the next production run?
One 15-minute application. No impact to your credit score to apply.
- 1¹ Funding in as little as 24 hours applies to select products after you accept an offer. Timing varies by lender, product and how quickly documents are returned.
- 2² Submitting a FundLine application does not affect your personal or business credit score. A lender may run a hard inquiry before final approval and will disclose it first.
- 3³ Amounts, rates and terms are set by the lender and depend on time in business, revenue and credit profile. $5K to $5M is the range across the lenders we work with; not every business qualifies for every amount.